Your Premier
Mortgage Partner
Experience banking elevated. From conventional mortgages to creative financing solutions, we deliver white-glove service with competitive rates across all 50 states.
Experience banking elevated. From conventional mortgages to creative financing solutions, we deliver white-glove service with competitive rates across all 50 states.
At Equitable Lending Co a division of PBT Bancorp since 1923, we believe exceptional service is the foundation of trust. Experience the difference of working with lenders who see you, not just your paperwork. Over 100 years strong!
Loans Funded
Happy Homeowners
States Licensed
Pre-Approval
Self-employed? Use bank statements, profit & loss statements, or asset depletion to qualify for your dream home.
DSCR loans for real estate investors. Qualify based on rental income, not personal W-2s.
Access your home equity with flexible HELOC options or refinance to better rates with our creative solutions.
From conventional mortgages to creative financing, we offer solutions tailored to your unique financial picture.
Standard loans for qualified buyers
Low down payment options
Zero down for veterans
High-value properties
No tax returns needed
Investment properties
Lower initial payments
Access your equity
Buying your first home is a major milestone, and the mortgage process should not feel overwhelming. At Equitable Lending, we help first-time buyers understand their options, prepare for homeownership, and move through financing with confidence.
Our team can help you explore low down payment programs, FHA and conventional financing, down payment assistance options, and other programs available to qualified first-time buyers.
We also work with borrowers who may not fit traditional lending guidelines, including self-employed buyers and investors who may benefit from bank statement loans, no-tax-return mortgage programs, and certain no-income or alternative-documentation loan options, subject to program requirements.
Know your budget and buying power before you shop.
Shop with confidence knowing your financing is lined up.
We explain every number so you know exactly what to expect.
From pre-approval through closing, we explain the numbers clearly, help you understand your options, and work to find a financing solution that fits your specific situation.
Your first home starts with the right guidance, the right financing, and a team ready to help you get there.
Loan programs, eligibility, documentation requirements, rates, and terms vary. Not all borrowers or properties will qualify. Equal Housing Lender.
Finance investment properties without traditional income documentation. At Equitable Lending, we offer specialized programs designed for real estate investors who want a simpler way to qualify.
No tax returns. No paystubs. No personal bank statements. No traditional income documentation.
Select programs may require no personal income documentation, no tax returns, no paystubs, and no personal bank statements. Instead, qualification may be based primarily on the property's rental income, cash flow, value, and overall loan structure.
We offer financing options for investors purchasing, refinancing, or taking cash out of investment properties, including DSCR and alternative-documentation programs for properties ranging from single-family rentals to properties with up to 10 units.
Whether you are buying your first rental or expanding an existing portfolio, our team can help structure financing around the property rather than traditional employment income.
Program availability, documentation requirements, DSCR requirements, property eligibility, loan amounts, rates, and terms vary. Not all borrowers or properties will qualify. Equal Housing Lender.
Don't just take our word for it — hear from homeowners who achieved their dreams with Equitable Lending Co a division of PBT Bancorp.
"As a self-employed entrepreneur, I never thought I'd qualify for a mortgage. Equitable Lending found the perfect solution using my bank statements. Now I'm a proud homeowner!"
Michael R.
Los Angeles, CA
"Refinanced my investment property with them. The DSCR loan option was exactly what I needed. Closed in 18 days! Their team made the entire process seamless."
Sarah T.
Miami, FL
"Steven and his team are true professionals. They saw past my unique income situation and got me into my dream home. I recommend them to everyone I know."
James W.
Austin, TX
Behind every loan is a team of dedicated professionals who genuinely care about your success. Get to know the people who make it happen every day.
The professionals pictured here represent just some of the people behind Equitable Lending. Our team is built around integrity, experience, responsiveness, and a commitment to helping clients make confident decisions when buying, refinancing, or investing in real estate.
While we specialize in the Los Angeles market, including Beverly Hills, West Los Angeles, Santa Monica, Brentwood, Bel Air, and surrounding communities, our lending platform serves borrowers nationwide across all 50 states. This gives our clients the benefit of local market knowledge combined with access to a broad range of mortgage programs and lending solutions.
Our team works with first-time homebuyers, experienced homeowners, real estate investors, self-employed borrowers, and clients with more complex financing needs. We offer conventional, FHA, VA, jumbo, non-QM, bank statement, investment property, HELOC, and other specialized loan programs.
What matters most to us is the relationship behind every transaction. We work closely with our clients, real estate professionals, and partners to provide clear communication, dependable guidance, and financing solutions designed around each borrower's goals.
No call centers or runaround — you have a dedicated team that knows your name and your goals.
Straight answers and constant updates from application through closing — never left guessing.
A seasoned team backed by an institution established in 1923, with experience across every kind of loan.
President & LPO Manager
States
Years Experience
Growth
Throughout his career, Steven Sepehr Khanian has founded, scaled, and held leadership positions with mortgage institutions such as Amerefi Mortgage, American Financial Network, Texana Bank Mortgage and more. His experience has included roles ranging from Founder and President to CEO and CFO, giving him a broad background in mortgage production, operations, business development, recruiting, management, and organizational growth.
As President & LPO Manager here at Equitable Lending Co Powered by PBT Bancorp Mortgage, his focus includes growing mortgage production, developing branches, recruiting experienced mortgage professionals, and building a nationwide origination platform.
While Steven is headquartered in Los Angeles, California, the platform created provides qualified Loan Officers and Branch Managers with the infrastructure to originate mortgage loans across all 50 states. The platform is built for mortgage professionals who want access to a broader national footprint, competitive lending products, operational infrastructure, and the resources of an established organization while continuing to develop their own book of business and referral relationships.
All 50 States
Nationwide origination
Since 1923
Established institution
Growing Teams
Branches & recruiting
Get a quick estimate to see how much home you can afford or what refinancing could save you.
See your estimated monthly payment
Estimated Monthly Payment
See how much you could save
Estimated New Monthly Payment
These calculations are estimates only. Contact us for a personalized quote.
Whether you're looking to refinance at a lower rate, tap into your home's equity, or purchase your dream property — we make it happen.
*APR = Annual Percentage Rate. Rates subject to creditworthiness and market conditions. Not all applicants will qualify. Equal Housing Lender.
At Equitable Lending Co a division of PBT Bancorp since 1923, we believe exceptional service is the foundation of trust. Experience the difference of working with lenders who see you, not just your paperwork. Over 100 years strong!
Loans Funded
Happy Homeowners
States Licensed
Pre-Approval
Self-employed? Use bank statements, profit & loss statements, or asset depletion to qualify for your dream home.
DSCR loans for real estate investors. Qualify based on rental income, not personal W-2s.
Access your home equity with flexible HELOC options or refinance to better rates with our creative solutions.
Fill out the form and our team will reach out within 24 hours. No obligations, optional no hard credit pulls, just honest advice about your options.
12300 Wilshire Blvd (Ground Floor)
Los Angeles, CA
524 Main St.
Hazard, KY